Laura Berry is a former State Farm insurance producer and insurance expert.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 18, 2021

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Important facts to know...

  • The way the van is used will play a role in the type of insurance required
  • Different models of vans will impact the cost of car insurance
  • Various types of discounts are available to van owners

When you are looking for car insurance for a van, there are several things you need to know.

How you use the van will impact the kind of insurance that is needed. You need to know how insurance is calculated and how you can control the costs of insurance premiums. This knowledge of the industry will allow you to get a good policy with sufficient coverage.

Comparing car insurance quotes will help you see what a good rate is for the coverage you need. Use our free rate comparison tool above to get started for free.

How is the van going to be used?

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How the van is used will determine the kind of car insurance that you need. For example:

  • Are you driving a minivan in order to take the kids to and from school?
  • Are you driving a transport van in order to make deliveries for your small business?

These answers are something you have to figure out before you can begin shopping for car insurance.

If you drive the van for any personal reasons, you need personal car insurance. You must meet the state minimums for liability coverage. You should also explore getting additional coverage, including comprehensive and collision coverage.

If you drive the van for business purposes, you will also need to get commercial car insurance. Failure to get this kind of coverage could result in the insurance company denying a claim.

If you get involved in an accident and it comes out that you were using the van for business purposes, your personal car insurance company could deny the claim because of misuse of the vehicle or because of having insufficient coverage.

You don’t want to get into a situation where a claim is denied. This is why it’s of the utmost importance to determine how you are going to use the van so you determine the kind of coverage you need to have.

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Vans and Insurance Costs

There are all sorts of makes and models of vans

  • minivans
  • cargo vans
  • transport vans

The safety ratings of the van are going to play a role in how much the insurance premium is going to be.

It’s always a good idea to see what the cost of insurance is going to be on a vehicle before you buy it. As you’re exploring the different vans, you can use online quotes to show you what the cost of coverage would be.

Additionally, you have to look at who is going to drive the van. You might have a minivan for the family, and this van could be the same vehicle that your kids will learn how to drive on.

This possibility of kids learning to drive will impact your insurance rates in the future when you list multiple drivers. Teen drivers are also going to drive the cost of insurance up because they are considered high-risk.

Tips for Saving Money


There are plenty of ways for you to save money on your insurance premiums. Once you determine how much coverage you want on your van, you need to get quotes from multiple companies. An online portal will make this a straightforward process.

You can then compare the quotes to see who has the most affordable premium.

It’s important to know about the different insurance factors so you know how insurance companies determine the cost of insurance. In addition to safety ratings, most insurance companies are also going to look at:

  • Commuting distance
  • Zip code
  • Driving history
  • Age, gender, and marital status
  • Where your van is stored

You should also explore raising your deductible to lower your premiums. The deductible is what you will pay out of pocket to get your car repaired.

If you are a safe driver and have money tucked away in savings, it might be easier to raise the deductible from $500 to $1,000 in order to get the monthly savings.

Other discounts you might qualify for include:

  • Safe driver
  • Good student
  • Multi-car
  • Multi-policy

It’s in your best interest to try and find as many discounts as possible that you qualify for. Not all insurance companies offer the same number of discounts. This difference is why it’s so important to get quotes from several companies.

Ultimately, car insurance for vans is easy to obtain.

To ensure you have the necessary financial protection in place, there are some important questions to answer first. These answers will allow you to determine if you need more than a personal auto insurance policy as well as the level of coverage that you need.

Then, you can focus on various discounts to help you get a more affordable policy.

Compare car insurance quotes today using our free rate tool to see how much you could save on coverage.